Usapang Social Security System (SSS) Part 1

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Usapang SSS
Medyo mainit na isyu ngayon ang pag-veto ni PNoy sa pag-taas sa Social Security System (SSS) benefits. Medyo maanghang na nga ang palitan ng salita sa ilang mga forum. At may ilan na ding nagtanong kung ano tingin ko sa isyung ito.

Una, gusto ko lang malaman kung lahat ng mga nagrereklamo sa hindi pagtaas ng benepisyo ay maayos na nagbabayad ng mga premium at mga INUTANG nila sa Social Security System (SSS). Kasi kung hindi, siguro dapat tumahimik na lang tayo. :) Bago po natin siguro ipaglaban ang “karapatan” natin sa mas malaking benepisyo eh tugunan po muna natin ang mga RESPONSIBILIDAD natin dito. :)

Ngayon, kung ikaw yung isa sa nakararaming mga Pilipino na maayos na nagbabayad at umaasa sa Social Security System (SSS), medyo may masamang balita ako sa iyo: Ang sistema ng Social Security System (SSS), sa kasalukuyang pamamalakad nito, ay halos siguradong magkukulang. Bakit?

Kasi ang sistema ng Social Security System(SSS) ay nangangailangan ng maraming mga batang nagcocontribute para may makuha ang mga matatanda. Hindi ito sustainable kapag mas madami nang matandang kumukuha ng Pension kaysa sa mga batang nagcocontribute dito.

Yung mga investments kamo? Nagkakamali din mga fund managers niyan. (Tignan niyo na lang kung anong stocks ang binili ng Social Security System (SSS) at kung ano naging performance ng mga ito.) Nalulugi din mga investments nila at lumalala ang pagkalugi sa oras na marami nang miyembro ang kumukuha ng pension. (Ganun din kapag hindi nagbayad ng maayos ang mga umutang dito.)

Kung gusto mo ng halimbawa, tignan mo ang nangyayari sa United States (U.S.) at Japan. Sa Japan, ang daming matatandang umaasa sa mga benepisyo mula sa gobyerno at kinukulang na ang pera ng gobyerno nila. Ganun din sa Amerika. Sa tingin ninyo, bakit NAPILITAN si Obama na baguhin ang Health Care system ng United States (U.S.)? Kasi ang United States (U.S.) mismo ay kapos na sa pera. Ngayon, naniniwala ka ba na ang mga politikong nagpapalakad ng Social Security System (SSS) dito ay mas magaling pa kesa sa mga katulad nila sa United States (U.S.) at Japan? :D

So ano pwedeng gawin?

IKAW ang magplano para sa retirement mo. Nakakatawa nga minsan na ang mga taong nagsasabing, bobo, tanga at walang silbi ang gobyerno natin ay siya ring mga taong umaasa na aalagaan sila ng gobyerno. Weird di ba?
Hindi mo alam kung ano gagawin mo? Mag-aral ka at isabuhay mo ang na-aral mo. Yung lang naman sagot diyan eh.

Sa huling sabi, nasa kamay mo ang kapangyarihang paghandaan ang retirement mo kaya gamitin mo ito. Huwag mong hayaang mauwi sa pagsisisi ang pagreretiro mo.

‪#‎aralmunabagoinvest‬

Sa ibang balita:
Ciara Sotto, iniwan na ang asawa at bumalik sa mga magulang kasama ang 11-buwan anak na lalaki.

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Usapang Insurance at Mana Part 2

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mana 2Bago po tayo tumuloy, ilang bagay muna ang kailangan klaruhin. Una, insurance ang pinag-uusapan natin dito. Ibang-iba ito sa pre-need na nag-collapse nung 1990’s. Pangalawa, HINDI imposibleng bumagsak ang isang insurance company sa darating na panahon. Pwedeng mangyari yan – lalo na kung bobo o kurakot ang nagpapatakbo nito. Pero kahit anong negosyo naman ay pwedeng bumagsak talaga di ba?

manas 2
Anyway, tuloy ang usapan…. [Read more…]

Usapang Insurance (at Mana) Part 1

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mana
Halos lahat ng financial agent, adviser, advocate at kung ano pa ay naniniwalang kailangan ng isang tao ng insurance. Lalo na ng life insurance. Kaso, kapag tanungin mo ang karaniwang Pinoy, marami sa atin ang hindi kumukuha nito. Para sa marami, para daw nagtatapon ng pera kasi hindi naman kailangan. Andyan din yung kakulangan ng tiwala sa mga nagbebenta ng insurance – sa totoo lang maraming kwento at tsismis ang nagkalat tungkol sa mga ahenteng nawala na lang matapos makabenta. Kaya, sa pagkakataong ito, tignan natin ng mabuti ang insurance at pag-usapan ito.

insurance at mana
[Read more…]

A Weekend Project

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Making an insurance Claim

Making an Insurance Claim

Last July 2013, I wrote a piece regarding claiming insurance benefits.

So, to the people who have policies and have read the blog, have you made the necessary preparations? O binasa mo lang ba and moved on? Aminin. :P

I cannot stress this enough:

It is YOUR responsibility to ensure that your beneficiaries get the benefits that YOU paid for. And if YOU don’t make the necessary preparations, then who will?

That being said, why don’t you try doing this small project in the coming weekend: Make a video.
Seriously.

Kahit anong camera, pwede. Just shoot a video of yourself explaining to your child / spouse / partner how they can claim the benefits.
video

Video should include the following:

[Read more…]

Saving and Investing 101

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What we need aren’t just wishful thinking to save and invest someday BUT careful planning, informed decision-making, and well thought of action-taking to make sure that you can finally take charge of your finances.

To help you get started, here are our top blogs and episodes categorized for your ultimate learning experience!

How will you invest if you do not have money to invest? IPON MUNA! Everything about SAVING & BUDGETING here:

• How to Save & Budget Wisely
• Want to Save Money? Go on a Diet!
• Ang Pera Mo at Ang Halaga Nito
• Is What You’re Buying Worth It?
• Episode 6 – Budgeting and Personal Finance

If you already have enough savings for emergency fund and other purposes, it’s time to start INVESTING! In this section, learn how to choose the investment that is perfect for your budget, lifestyle, and purpose.

• What is a Good Investment?
• Learn the Importance of Setting a Financial Goal
• Episode 9 – Long Term vs Short Term Investment
• Episode 12 – Social Cost of Investing

Did you know that with P5,000, you can be part of successful businesses in the Philippines? How? Learn more about investing in the STOCK MARKET here:

• Be a Partner with Business Tycoons
• 5 Easy Steps to Start Investing in the Stock Market
• Can a Student Invest in the Stock Market?
• Peso Cost Averaging explained
• Episode 1 – Stock Market

If you do not have the time, patience, and expertise to monitor the stock market, you have an option to invest in a MUTUAL FUND.

• Ano Nga Ba ang Mutual Funds?
• Episode 2 – Mutual Funds

Learn how an INSURANCE policy can protect your family
and your other assets:

• Episode 3 – Insurance / VULs
• Episode 10 – Insurance 2
• How to Claim an Insurance Policy
• Life Insurance Companies – Infographic

If you are an OFW, learn your different investment options here:
• Episode 11 – OFW Investments
• Money Lessons OFWs Should Know
• Online Seminar

Happy learning and smart investing!

How to Claim an Insurance Policy

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How to claim an insurance policy

The purpose of a life insurance policy is to protect your family and your other assets when you are gone.

Now, we’re sure that you have heard some insurance horror stories wherein the beneficiaries weren’t able to claim the money from the insurance company due to many reasons like unfinished payment, elapsed claiming time, lost receipt or certificate of full payment, incomplete requirements, or a policy that the family wasn’t even aware of at all!

Insurance Claim Form

Instead of comfort, these are added stress to the beneficiary. Bear in mind that it is not the insurance company’s responsibility to inform your beneficiary about their benefits when you die, that is yours! (While you’re still alive, that is.)

it is not the insurance company’s responsibility to inform your beneficiary about their benefits when you die, that is yours!

Here are some tips so that claiming would be easier for your family: [Read more…]